Savings
We have the solutions to help you live the dream you wish and protect the ones you care
Savings and Protection
Maximum Maturity Age
Issue Age
You can buy this via
Premium Paying Term
Policy Term
Minimum Top-up
Just imagine what you could do with a nice lump sum in 10, 15 or 20 years’ time. You can use it to ensure your kids get the best higher education and maybe even their dream wedding. Perhaps a brand new car for you? Or quite simply, to secure a comfortable retirement?
We all have different needs and work hard to afford the lifestyles we desire. Here is your chance to build your savings and maximize your returns, so you and your family can enjoy the luxuries and lifestyle you deserve.
Now, with AIA SmartBuilder Gold, you can invest your money and let it grow quickly, so you can use it as you see necessary.
A monthly income up to 30 years | additional protection for accidental death
You only need to pay premiums for 4 or 6 years. You will remain protected for up to 20 years.
You can opt to claim your full Maturity Benefit as a lump sum. Or you can choose to claim it as a monthly income for a period of 10-30 years.
At the end of the 10th year, you will receive a Loyalty Reward of up to 250% of your Annual Basic Premium, depending on the Premium Paying Term and Policy Term that you choose. All you have to do is pay your premiums on time.
In the unfortunate event of your death, your dependants will immediately receive the Life Benefit (If you die during the first policy year, you will receive 120% of your Annual Basic Premium).
If you die or become totally or permanently disabled during the Premium Paying Term, AIA will continue your policy by paying your Basic Premium on your behalf. So your family will benefit from the fund you built for them.
You can withdraw up to 15% of your fund, in a one-time withdrawal during your Policy Term (After the Premium Paying Term).
With the Dividend Booster, AIA will boost your monthly income by paying 30% more than the declared dividend rate each year (if you opt for a monthly pension).
Additional options are available for you to customise your cover to make sure it suits your individual needs.
If you die from an accident or if you are not able to continue any work due to an accident, we will provide financial protection for your family and ensure their lifestyle is maintained.
If the Life Assured is not the Policy Owner the benefits provided by this policy will be applicable to the Policy Owner, whilst the covers are applicable to the Life Assured. This page is only a product overview. For full product details please refer the policy document.
You may cancel this insurance policy by returning it to Us within fourteen (14) days from the date You received it. Then We will pay your premiums back to you after deducting the expenses relating to your insurance policy.
If Life Assured commit suicide (while in sound mind or otherwise) during the first year of the policy or the re-instatement;
We will pay the premiums you have paid after deducting the expenses relating to your insurance policy;
or
Where the policy is assigned to a third party if the third party proves that there isn’t any other way to recover the money paid for the assignment, We will make that payment to him (but not more than the amount payable upon your death)
We will pay only the Surrender Value, if the death of the Life Assured was resulted due to the Life Assured taking part or while trying to take part in any war, invasion, act of foreign enemies, hostilities or war like operations, civil war, mutiny, riot, strike, civil commotion assuming the proportions of or amounting to a popular uprising, military uprising, insurrection, rebellion, military or usurped power or any act of any person acting for any organization which works with the aim to forcibly remove any government from power by terrorism or violence.
If the reason for the death claim was Acquired immunodeficiency syndrome (AIDS) or human immunodeficiency virus (HIV) we will only pay the balance of the Investment Account as it was on the date on which We receive the notice of your death.
During the first three policy years if you do not pay your premiums on the due date you will have an additional thirty (30) days to pay premiums.
After the policy begins there will be a waiting period of 3 months to enjoy the additional health benefits. For Angioplasty benefit this period will be for 12 months.
A rate declared by the Company for each year that will be used as the basis to credit dividend to the Investment Account. The Annual Dividend Rate applicable for the previous year will be declared during the first six (6) months of the current year.A Guaranteed Dividend Rate declared by the Company that will be used as the basic for any benefit calculated based on the Investment Account balance until the Annual Dividend Rate for the respective year is declared. The Guaranteed Dividend Rate for the following year will be declared during the last three (3) months of the current year.
You can take away upto 15% of the Investment Account balance after your policy obtained the surrender value.